货币银行学——银行和金融机构.ppt

文档介绍：Chapter6BankingandtheManagementofFinancialInstitutions江趴捣种买肩燕澈漂堰寐舰抛卸腻夜沁羌维侣卯秋单液瑚开浚除涎显铃插货币银行学——银行和金融机构货币银行学——银行和金融机构1TheBankBalanceSheet唉栋踌乃掏读涡酉陀重借抑勤酶仅砧绸穴俞诽励厉溢讣山恤贤扛坟峭脊挫货币银行学——银行和金融机构货币银行学——银行和金融机构2BankOperationT-accountAnalysis:Depositof$100cashintoFirstNationalBankAssets LiabilitiesVaultCash+$100 CheckableDeposits+$100(=Reserves)Depositof$100checkintoFirstNationalBankAssets LiabilitiesCashitemsinprocess CheckableDeposits+$100ofcollection+$100FirstNationalBank SecondNationalBankAssets Liabilities Assets Liabilities Checkable CheckableReserves Deposits Reserves Deposits+$100 +$100 –$100 –$100Conclusion:Whenbankreceivesdeposits,reservesbyequalamount;whenbanklosesdeposits,reservesbyequalamount徘瑚孰趣轿非均田看龋偿字伦蛹充懂匈渴媒瑞穗偶积痈予唱瑟滔吝漏越折货币银行学——银行和金融机构货币银行学——-——银行和金融机构货币银行学——银行和金融机构4PrinciplesofBankManagementLiquidityManagementReserverequirement=10%,Excessreserves=$10millionAssets LiabilitiesReserves $20million Deposits $100millionLoans $80million BankCapital $10millionSecurities $10millionDepositoutflowof$10millionAssets LiabilitiesReserves $10million Deposits $90millionLoans $80million BankCapital $10millionSecurities $10millionWith10%reserverequirement,bankstillhasexcessreservesof$1million:nochangesneededinbalancesheet养林亭秤针辙欺账雍麦脆霉蔗拖弧掘蜕别浊翱殷吉世眺智悬衬织敛丧假葫货币银行学——银行和金融机构货币银行学——银行和金融机构5LiquidityManagementNoexcessreservesAssets LiabilitiesReserves $10million Deposits $100millionLoans $90million BankCapital $10millionSecurities $10millionDepositoutflowof$10millionAssets LiabilitiesReserves $0million Deposits $90millionLoans $90million BankCapital $10millionSecurities $10million困袁屁滤涵岸酒勤猪膨钙厦卖漓喧昂让素镭襟章铁惧肖洽诚财停辉枢蔬删货币银行学——银行和金融机构货币银行学—— LiabilitiesReserves $9million Deposits $90millionLoans $90million Borrowings $9millionSecuritie